Abstract

The goal of study is to know and understand procedure along with factors which be considered in decision making to give credit by credit analysis side in PT. BPR Eka Dana Malang. The data analysis which be used is qualitative data by actualization data which be gained, then this data analyzed suitable phenomena of observed object by interpretating suitable theories and data analysis is interactive model, by collecting data, data reduction, data interpretation, conclusion taking. The factors analysis of credit giving which be used 5 C character,capital, capacity, condition, collateral The study result of factor 5C which be applied in PT. BPR Eka Dana of malang in decision making of credit giving to customer for customer candidate have to be able to pay credit every month, the customer candidate must have fixed earning every month, customer mush have insurance which be used in credit proposal, customer candidate did not have loan before finished